Problem cashflow management indicators
You don’t always pay creditors on time and spend more time than you like taking calls or deflecting calls from creditors.
Your overdraft is often close to or exceeds the limit, and your current account never or rarely has credit days.
You finance long term farm development works out of current farm cashflows on a regular basis.
You may have missed or were late with loan or HP repayments and this will be reflected on your Irish Credit Bureau report and Bank credit rating.
You are not in full control of your finances and Banks and other creditors are in a stronger position to dictate the terms of trade. You find that getting access to finance can be a hassle.